This is the only way. The moment that the government guarantees or bails out deposits above the FDIC limit, taxpayers assume all risk over the entire banking s

This is the only way. The moment that the government guarantees or bails out deposits above the FDIC limit, taxpayers assume all risk over the entire banking sector and losses are socialized. That would be the official start of the end of free market economy. There's a well traveled process to winding down a bank and recovering what is left for depositors. Let's not try to fix what isn't broken.